What makes us different?
Only 1 conflict of interest
Our only conflict of interest is this: our fee increases as your portfolio increases in value. Therefore, we want your wealth to increase as much as possible. That's a nice conflict of interest, huh?
Fees
Our fee is almost 30% less than the average advisor according to advisoryhq.com. Our fees are also transparent and easy to understand as outlined below.
Level of care
If you've worked with a financial advisor in the past, you'll discover a much higher level of care with Stadium Financial. Our response times to your concerns will be faster, our monitoring of your portfolio will be continuous, and and you'll know you are being taken care of!
Our Features & Services
Fee Only - No commissions
We never charge commissions or receive fees based on the investments we recommend.
Fiduciary
As an independent investment advisor, we have to put your best interests ahead of our own.
Financial Planning
We focus on comprehensive financial planning to ensure all of your goals are met.
Investment Management
We'll manage the investments in your accounts, whether it's a single IRA or a portfolio encompassing many accounts.
Quarterly Reviews
While we continuously monitor portfolios, we will perform a full review at least quarterly for each client.
Retirement Planning
From the accumulation phase through the distribution phase, we'll help you put together a smart plan.
College Planning
Make sure you are saving the right amount for your children's college fund with proper planning and using the right account types.
Debt Analysis
We'll take a look at the different debts you have, the amounts, the interest rates being charged, and formulate a plan to pay them off in the smartest order.
Tax-Efficient Planning
Account types, investment types, accumulation strategies, and distribution strategies will all be viewed thru a tax-efficient lens.
Estate Planning
Let's make sure your wishes are met after you are gone. Most estate planning can be handled quite easily. For the more complex, we will work with your estate attorney.
Insurance Reviews
We will review your insurance needs as part of our risk management assessment, from life insurance to disability to long term care.
Cash Flow Analysis
Cash flow is the lifeblood that funds all of your goals. We'll compare your income and expenses to make sure your finances are healthy.
Coordinate with other Professionals
Being part of a team is very important, and we'll work together with your CPA, attorney, insurance broker, mortgage broker or anyone else that's needed for your situation.
Income Distribution Strategies
You did a great job saving while working and you want to be just as smart with your monthly income during retirement. We think you'll love our framework for retirement income!
Social Security Planning
As part of your retirement plan, we'll evaluate the best time for you and your spouse to start receiving social security payments.
Medicare Planning
Many people are confused with what they need to do with Medicare as they approach age 65. Let us guide you on the right path.
Family Financial Statements
An important aspect of your financial health is keeping track of your budget and net worth. It's one of the first steps in our financial planning process.
Notary Services
Need something notarized? Let us know; it's free of charge to our clients.
Fees
These are the different fee options for our clients
0.80% annual fee (0.20% per quarter) with $1,600 minimum fee ($400 per quarter).
We put together a full financial plan and continuously manage your investments. Adjustments to the financial plan and investments are made as often as needed.
Investment accounts are held at Charles Schwab as custodian.
0.50% of net worth with a $1,000 minimum fee.
We work together to create a full financial plan for you. It is then up to you to implement the plan and manage the investments. This is a limited engagement and does not include any follow up assessments.
0.50% annual fee based on net worth (0.125% per quarter) with a $1,000 minimum fee ($250 per quarter).
We work together to create a full financial plan for you. We then follow up on a quarterly basis to review and adjust the plan as needed. While we will advise on investment management, it will be up to you to actually manage the investments.
$300 per hour.
This service will be utilized for limited engagement events, such as evaluating a business, figuring out best financing options for home purchase, etc. Ongoing financial planning would already include access to these types of reviews.